When the at-fault driver in a car accident doesn’t have insurance, your own insurance company may pay for your personal injuries. In Georgia, drivers should carry uninsured and underinsured motorist insurance. This type of coverage is important because it may pay for your medical bills, lost wages, and pain and suffering in case the other driver is without insurance.
Underinsured coverage also is important when the at-fault driver has low limits of liability. For example, many Georgia drivers have the lowest limit of $25,000.00 in insurance coverage. In those cases, the insurance company will not pay more than $25,000.00 regardless of what your injuries are. If your injuries are over policy limits, your under-insured coverage will then step into the shoes of the at-fault driver, and take responsibility for compensating you for your injuries. Even though the uninsured / underinsured coverage is from your own insurance company, don’t expect them to willingly provide you with fair compensation. Remember, the goal of insurance adjusters is to save the insurance company money by paying you less.
Free Consultation with an Augusta, GA car accident injury attorney.
You should talk to a lawyer if you’ve been in an accident with a driver without insurance, or with low liability coverage. Contact an Augusta, GA personal injury attorney today by calling (706) 530-1212.